Ten More Stupid Things People Do to Mess up Their Money



“Courage is being scared to death but saddling up anyway.”—John Wayne

After I was set to appear on the Dr. Laura Show, they decided to add another segment—they wanted me to do a “man-on-the-street” type interview à la Jay Leno. I had to think up some questions to ask people about money that they might have funny responses to. My research team of poker players came up with: “Whose picture is on the $10 bill?” (Alexander Hamilton); “What does ‘FICA’ stand for?” (Federal Insurance Constitution Act—this is your contribution to Social Security); “What does the ‘k’ in ‘401k’ stand for?” (nothing—it’s just a section of the tax code); among others.

The day of the filming, I had to talk myself out of being nervous. I did affirmations all morning. I convinced myself that I was born to be a roving reporter, that I was a natural, that I was perfect for this. So when I arrived at the Third Street Promenade in Santa Monica, I was ready to “act as if” I had been doing this a long time. I met the film crew and we had fun interviewing various people at the mall. After the first few “takes,” they asked me if I had done this before!

Two days later, another “Real Black Limo” picked me up to film the show in front of the studio audience. Once more, I practiced affirmations and acted “as if.” Just in case we needed them, I prepared “Ten More Stupid Things”:

  1. Buy stocks on a hot tip from a friend.
  2. Pay $65,000 to climb Mount Everest. Best-case scenario: They’re hungry, cold, and in need of oxygen. Worst-case scenario: Death.
  3. Give their life savings to a con man in exchange for his “winning” million-dollar lottery ticket.
  4. Day trade on the stock market—then panic and sell everything at a loss the first time the market takes a dive.
  5. Buy designer water.
  6. Believe that a bank will loan them money just because they have a good business plan.
  7. Buy life insurance when they’re single.
  8. Undercharge for their product or service and “make it up in volume.”
  9. Save millions while living a lifetime in poverty, then die and leave it all to heirs who travel first class.
  10. Buy the cutest house on the block in a bad neighborhood.

You’re not guilty of any of these, are you?

The filming of the show went very well. Everyone connected with it was friendly and helpful. It was a pleasure. Affirmations and “act as if”—an unbeatable combination. Remember that.

Today’s Affirmation:
“I do a great job at whatever I choose to do!”


My friend Gary Tharler sent me this note:

The geneticist J.B.S. Haldane said that new ideas have four stages of acceptance:

1) This is worthless nonsense;

2) This is an interesting, but perverse, point of view;

3) This is true, but quite unimportant;

4) I always said so.

And that’s how human beings work through change!

Prosperity is a habit. You have to practice it every day.

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Chellie Campbell is a Financial Stress Reduction® Coach and the author of The Wealthy Spirit, Zero to Zillionaire, and From Worry to Wealthy. She is one of Marci Shimoff's “Happy 100” in her NYT bestseller Happy for No Reason and contributed stories to Jack Canfield’s books You’ve Got to Read This Book! and Life Lessons from Chicken Soup for the Soul. Past president of the LA Chapter NAWBO, she was "Most Inspirational Speaker" by Women in Management and "Speaker of the Year" by the Association of Women Entrepreneurs. She does daily inspirational videos in The Wealthy Spirit Group on Facebook.

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